Does home cleaning insurance cover tool theft or accidental damage on client premises?

Yes! When you carry the right coverage: 

  • Accidental damage – Covered by general liability if you break, stain, or scratch something while cleaning. 

Including these protections not only shields your business financially but also reassures homeowners that you take their trust seriously. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.